BlastPoint's Banking Scorecard

Grove Bank & Trust

$1B-$10B Specialty: Commercial FL FDIC cert 8018

Designations: ✓ Community bank

Miami, FL

5 branches across FL

884 banks in the $1B-$10B peer group nationally 27 in FL

Grove Bank & Trust has 2 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.16% below tier average
- ROA 0.67% below tier average
- Efficiency Ratio 12.46% above tier average

Get updates when Grove Bank & Trust releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$1.4B +2.9% YoY +3.3% QoQ	-$1.4B	$2.8B -0.1% YoY	$4.3B +10.8% YoY	$6.2B +9.1% YoY	30%
Total Loans ?	$818.6M +11.4% YoY +1.3% QoQ	-$1.1B	$2.0B +0.6% YoY	$3.0B +12.4% YoY	$3.2B +10.8% YoY	16%
Total Deposits ?	$1.2B +4.2% YoY +2.5% QoQ	-$1.2B	$2.3B -0.3% YoY	$3.6B +11.7% YoY	$4.8B +8.2% YoY	28%
Return on Assets ?	0.69% +93.6% YoY +20.0% QoQ	-0.67%	1.37% +19.6% YoY	0.83% +61.5% YoY	1.23% +13.4% YoY	17%
Net Interest Margin ?	2.65% +14.2% YoY +5.7% QoQ	-1.16%	3.82% +6.9% YoY	3.75% +4.2% YoY	3.89% +5.7% YoY	Bottom 7.4% in tier
Efficiency Ratio ?	73.52% -9.4% YoY -3.7% QoQ	+12.46%	61.06% -4.6% YoY	71.93% -25.2% YoY	66.95% -4.1% YoY	17%
Delinquency Rate ?	0.00%	-0.89%	0.89% +14.1% YoY	0.63% -5.7% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	69.41% +6.9% YoY -1.2% QoQ	-14.79%	84.20% +0.3% YoY	73.79% +1.2% YoY	76.70% +0.9% YoY	84%
Non-Interest-Bearing Deposit Share ?	23.57% -3.5% YoY -4.3% QoQ	+2.29%	21.29% -2.5% YoY	27.22% -2.5% YoY	22.01% -1.2% YoY	67%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +15.6% YoY	0.43% -5.1% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	15.62% +5.1% YoY +1.5% QoQ	+0.46%	15.16% +2.0% YoY	16.64% -24.7% YoY	17.06% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.23% +16.7% YoY -73.2% QoQ	-0.03%	0.26% +1.6% YoY	0.50% +7.6% YoY	0.32% +4.1% YoY	78%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 880 Top 0.1% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 884 Top 0.1% in $1B-$10B

144

Loan-to-Deposit Ratio

liquidity

Value: 69.41%

Peer Median: 84.20%

#144 of 884 Top 16.2% in $1B-$10B

196

Tier 1 Capital Ratio

capital

Value: 15.62%

Peer Median: 15.16%

#196 of 884 Top 22.1% in $1B-$10B

199

Non-Interest Income / Assets

revenue_mix

Value: 0.23%

Peer Median: 0.26%

#199 of 884 Top 22.4% in $1B-$10B

Top Weaknesses (4 metrics)

820

Net Interest Margin

profitability

Value: 2.65%

Peer Median: 3.82%

#820 of 884 Bottom 7.4% in $1B-$10B

740

Total Loans

size

Value: $818.62M

Peer Median: $1.96B

#740 of 884 Bottom 16.4% in $1B-$10B

739

Return on Assets

profitability

Value: 0.69%

Peer Median: 1.37%

#739 of 884 Bottom 16.5% in $1B-$10B

734

Efficiency Ratio

profitability

Value: 73.52%

Peer Median: 61.06%

#734 of 884 Bottom 17.1% in $1B-$10B